Honda Insight Insurance Rates

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UPDATED: Jun 3, 2024

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Estimated insurance rates for a Honda Insight are $1,278 a year with full coverage. Comprehensive insurance costs an estimated $218 each year, collision costs $450, and liability coverage costs around $452. A liability-only policy costs as low as $504 a year, with high-risk insurance costing $2,786 or more. Teen drivers pay the most at $4,966 a year or more.

Average premium for full coverage: $1,278

Premium estimates broken down by type of coverage:

Comprehensive $218
Collision $450
Liability $452

Estimates include $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and Insight models.

Insurance Price Range by Risk and Coverage

For the average 40-year-old driver, insurance rates for a Honda Insight go from as low as $504 for your basic liability-only policy to a high rate of $2,786 for a driver required to buy high-risk insurance.

Liability Only $504
Full Coverage $1,278
High Risk $2,786

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas.

The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $959
Small Cities $1,342
Large Cities $1,725

These rate differences demonstrate why all drivers should compare prices for a targeted area and risk profile, rather than using price averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

The chart below details estimated Honda Insight insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $737
  • Using higher $1,000 deductibles will save approximately $152 annually
  • The average rate for a 40-year-old good driver who has $500 deductibles is $1,278
  • Choosing low deductibles for physical damage coverage will cost an extra $296 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,786 or more
  • An auto insurance policy for full coverage for a teenage driver can cost as much as $4,966 or more

View Chart as Image

Honda Insight insurance cost comparison chart
Column chart showing full coverage Honda Insight insurance prices range from $737 to $4,966

Auto insurance prices for a Honda Insight also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay at least $4,900 a year. View Rates by Age

Where you choose to live has a huge impact on Honda Insight insurance rates. A driver around age 40 might see prices as low as $920 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,720 on average in New York, Michigan, and Florida.

Honda Insight Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,154 -$124 -9.7%
Alaska $978 -$300 -23.5%
Arizona $1,058 -$220 -17.2%
Arkansas $1,278 -$0 0.0%
California $1,454 $176 13.8%
Colorado $1,220 -$58 -4.5%
Connecticut $1,314 $36 2.8%
Delaware $1,444 $166 13.0%
Florida $1,598 $320 25.0%
Georgia $1,178 -$100 -7.8%
Hawaii $916 -$362 -28.3%
Idaho $864 -$414 -32.4%
Illinois $950 -$328 -25.7%
Indiana $960 -$318 -24.9%
Iowa $860 -$418 -32.7%
Kansas $1,212 -$66 -5.2%
Kentucky $1,742 $464 36.3%
Louisiana $1,890 $612 47.9%
Maine $788 -$490 -38.3%
Maryland $1,052 -$226 -17.7%
Massachusetts $1,022 -$256 -20.0%
Michigan $2,218 $940 73.6%
Minnesota $1,068 -$210 -16.4%
Mississippi $1,528 $250 19.6%
Missouri $1,132 -$146 -11.4%
Montana $1,370 $92 7.2%
Nebraska $1,008 -$270 -21.1%
Nevada $1,530 $252 19.7%
New Hampshire $920 -$358 -28.0%
New Jersey $1,426 $148 11.6%
New Mexico $1,130 -$148 -11.6%
New York $1,344 $66 5.2%
North Carolina $736 -$542 -42.4%
North Dakota $1,046 -$232 -18.2%
Ohio $882 -$396 -31.0%
Oklahoma $1,312 $34 2.7%
Oregon $1,170 -$108 -8.5%
Pennsylvania $1,218 -$60 -4.7%
Rhode Island $1,704 $426 33.3%
South Carolina $1,156 -$122 -9.5%
South Dakota $1,078 -$200 -15.6%
Tennessee $1,118 -$160 -12.5%
Texas $1,540 $262 20.5%
Utah $944 -$334 -26.1%
Vermont $874 -$404 -31.6%
Virginia $764 -$514 -40.2%
Washington $986 -$292 -22.8%
West Virginia $1,170 -$108 -8.5%
Wisconsin $884 -$394 -30.8%
Wyoming $1,138 -$140 -11.0%

View Chart as Image

Honda Insight insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $450 a year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers can be around 42% to 131% more than average. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and quoted prices will be substantially different from one company to the next.

Insurance Rates by Trim Level and Model Year

Honda Insight Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Honda Insight LX $1,240 $103
Honda Insight EX $1,278 $107

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Honda Insight Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2022 Honda Insight $248 $524 $416 $1,346
2021 Honda Insight $240 $502 $430 $1,330
2020 Honda Insight $226 $484 $442 $1,310
2019 Honda Insight $218 $450 $452 $1,278
2018 Honda Insight $208 $424 $456 $1,246
2010 Honda Insight $140 $214 $474 $986

Rates are averaged for all Honda Insight models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Low Cost Honda Insight Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having good credit, being claim-free, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a review of the data touched on in this article.

  • Consumers who want higher liability limits will pay about $500 every year to increase from 30/60 bodily injury limits to 250/500 limits
  • You may be able to save approximately $150 per year simply by quoting online in advance
  • Increasing policy deductibles can save around $450 each year
  • Teens are the costliest to insure, possibly costing $414 per month if they have full coverage

Rates by Driver Age

Honda Insight Insurance Rates by Driver Age
Driver Age Premium
16 $4,966
20 $2,982
30 $1,318
40 $1,278
50 $1,170
60 $1,148

Full coverage, $500 deductibles

Rates by Deductible

Honda Insight Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,574
$250 $1,436
$500 $1,278
$1,000 $1,126

Full coverage, driver age 40

Rates by Liability Limit

Honda Insight Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,278
50/100 $1,368
100/300 $1,481
250/500 $1,775
100 CSL $1,414
300 CSL $1,662
500 CSL $1,843

Full coverage, driver age 40

Rates for High Risk Drivers

Honda Insight Insurance Rates for High Risk Drivers
Age Premium
16 $7,066
20 $4,756
30 $2,832
40 $2,786
50 $2,666
60 $2,642

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $182

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $67
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $92
5-yr Claim Free $83
Paid in Full/EFT $56
Advance Quote $63
Online Quote $90
Total Discounts $541
Rate after discounts $737

Discounts are estimated and may not be available from every company or in every state.

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